Compare : IRCTC RBL Bank Credit Card vs IRCTC SBI Platinum Credit Card

Bonus 500 reward points

350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 60 days of card issuance

5X reward points on train bookings made on IRCTC website or mobile app

3X reward points on FASTag recharge made via RBL Bank digital channels, NCMC reload or UTS app

2X reward points on flight and hotel bookings made on IRCTC website or app

1 reward point per Rs. 200 spent on other spends

1 Reward Point = Rs. 1 for IRCTC bookings

10% value-back as reward points, upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website/app

Up to 8 complimentary railway lounge visits in a year

4 complimentary railway lounge access in a year (1 per quarter)

5X rewards on train ticket bookings using IRCTC website/app with 1% transaction fee waiver

Up to 8 complimentary railway lounge visits per year

Accelerated rewards on online FASTag recharges

Rewards redemption ratio of 1:1

Up to 2,000 reward points as milestone bonus

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

Rewards redemption is only limited to IRCTC bookings

Low base reward rate of just 0.5% on most of the everyday spends, including major categories like shopping, dining, entertainment, etc.

Capping on accelerated rewards

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Those who frequently travel by train and prioritize earning rewards on rail bookings and do not seek any other travel-related benefits

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card